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Debt settlement companies are companies that say they can renegotiate, settle, or in some way change the terms of a person's debt to a creditor or debt collector. Dealing with debt settlement companies can be risky.

Pinecones evoke autumn, while silver and blue often call to mind winter. A deft combination of the two provides a dramatic yet easy decorating accent. Here, various shades of spray paint transform the textural beauty of pinecones.

Gilded Pinecones How-To In a ventilated area, line a surface with plastic and then paper. Secure a rod across an open cardboard box. Insert a screw eye into base of each pinecone. Attach a wire to each screw eye.